I'm going to loose my home

Hi panda-star. If you can, hang on to the house. Stepchange help with debt. All loans and debt get paid AFTER the mortgage. He should be negotiating with his bank, credit card company, loan company. Gambling debts are NOT priority. The house being sold is not going to help, it will set him free to gamble again. You and the baby come first. There are other useful sites such as debt camel, national debt line, but he should talk to stepchange asap. Is he getting any other help? He should be going to GA where he will get more advice. You can call gamcare, find a gamanon meeting. Make sure he cannot access anymore money. Secure your finances too.

Thank you Merry Go Round I will ask him to call step change ASAP as to be honest i don’t even know where we are anymore as he has so many secret loans etc.

We don’t even have any money to pay for the mortgage next month let alone Xmas, my sons first! It breaks my heart that I have failed in protecting him.

My husband has had a gambling problem for near on 10 years but since my son was born it has spiralled out of control he has attended meetings, had one on one counselling session everything but nothing has made it stop. I can’t do this anymore as I need to put my son first I just don’t have a penny to my name so no idea where to start

Hi Panda Star

Stepchange were and still are very helpful for my husband who is still trying to get himself back onto an even level with the 20K debt he racked up. They will help you both to look at your finances and will ensure that he has enough to pay the essentials with before looking at any other external debts to loans, credit cards etc. I would really encourage him to contact them asap. As for what you are going through, I can relate completely. Keep strong

Step change is the only way. they are really helpful

Unfortunately some gamblers don't listen and continue to gamble because they think they will win it back. What they don't want to look at is themselves and why they gamble. It is a choice. He should make sure that all his finances come to you. If he wants to stop he will do this willingly.

Please don't agreee to selling your home. It's a bailout and bailouts don't help in the long term. This is his problem to sort and he needs to be the one making the enquiries. CG's need to re-establish the connection between action and consequence. As stated Stepchange will advise. Payplan is another free very helpful debt advice charity and it's the one Mr L used. You could also contact CAB for advice.

Thank you for all your replies we are looking into options but currently out outhoings far outweigh our incomings. I’m beyond devastated that it has come to this and my husband is beyond regonisable. His whole being has changed and I’m fighting to keep everything together on my own while protecting and caring for my son.

he claims that GA doesn’t really help as he has gone for so long, are there any other options or is he just a lost cause? I never dreamed of having a broken home but I just can’t see a way out if he isn’t willing to put in the hard work

Has he joined the Gamcare database and excluded himself from online sites, excluded himself from bookies and casinos? If not you need to talk to him if he really wants to quit, it sounds like he is going through the motions for you but really he doesn’t want to put in the effort to make the change or isnt ready to quit, if that’s the case there isn’t much you can do. Selling your house and paying off his debts would be the worst thing you could do as this would give him a fresh slate and he would just go back to his old ways. Wishing you the best in this troubling time.

He had self included from many sites and all local bookies but there are so many sites it’s hard to manage.

after speaking to step change they recommend a debt management plan please could some advise me what impact that would have on me?

Hi panda star there are better ways to self exclude. He needs to sign up to gamstop, you give your email etc and they block most U.K. Websites for 5 years. He should show you email as proof. There is MOSES phone number, blocks bookies. There is GA. This should not affect your credit as debt plan should be solely in his name. You can call stepchange and ask for yourself. This is his debt not yours, don't be manipulated into helping. Get some support for you too, call gamcare and just offload.

Google gamstop, once he registers with them he will be self excluded from all sites. Stepchange can help with the debt. Is he still gambling? when was his last bet? DO you have access to all his emails, his credit rating (Clearscore and others are free) which shows all loands and credit cards he has. Do you have control of finances? His wages etc should go to you, I know its a lot to deal with but hoping he will sort it is not realistic I am afraid, he might but he has a gmabling problem so there is a good chance he will continue to dig a bigger hole.